AGAM GURU

Active

Private limited companyfounded 2018active for 8 yearsSint-Jobsesteenweg 701, 1180 Ukkel, BelgiumKBO/BCE: BE 0693.818.036

Summary

AGAM GURU has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,437 and a net result of -€2,857. Equity is growing by about 31% per year across the filed financial years. Its solvency ranks better than 87% of 22,595 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow Report Compare

AGAM GURUActiveChecked score 70/100

Risk analysis Report Compare

Activity

Other retail sale of food

NACE 47279

2 sites

Size

€938,172turnover 2025

Equity: €61,437
Loss: -€2,857

Financial health

70 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.7%

Structure

SINGH VrinderDirector

2025 accounts 1 day early1 of 3 deeds summarised

Why 70raises riskSize: turnover €938,172, total assets €77,983Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 2.24, cash €14,870Equity €61,437 (78.8% of total assets)Show the evidence

Checked score

Score 2025

70 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 58% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 78.8% of total assets

Liquidity 67-21

short-term debt 21.2% · cash 19.1%

Profitability 26-21

return on assets -3.7%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,248 companies, NACE 47, micro)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 0.9%▲ +0.1 percentage points vs 06-2025 08-2025: 1.5%▲ +0.6 percentage points vs 07-2025highest value 09-2025: 0.4%▼ -1.1 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.3%▼ -0.1 percentage points vs 12-2025lowest value 02-2026: 0.4%▲ +0.1 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.7%● unchanged vs 09-2026

Credit of up to €4,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.24, compared with 4.14 in 2024, above the usual 1.5; short-term debt: 21.2% and cash: 19.1% of total assets), and 21.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 92% on solvency, 73% on liquidity, 23% on profitability and 44% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: turnover €938,172, total assets €77,983

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 2.24, cash €14,870

NBB · annual accounts

Equity €61,437 (78.8% of total assets)

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

1 day early

2024

18 days late

2023

65 days early

2022

21 days late

2021

32 days early

2020

61 days late

2019

76 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (4 of the last 5 filed years within 31 days of that day).

Companies Code · seven months

Where today falls in the filing period

28-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-07-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Weakest financial yearnet -€2,857
18-08-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: Among the best 14% on solvencysector median 33.3% · 22,595 companies 78.8% View
One director decidessole director in office 1 View
Turnover 20255 financial years filed €938,172 View

By topic

Financials

Financial year: 2025
Turnover: €938,172
Loss: -€2,857
Solvency: 78.8%

Turnover▲ 4.8%

Net result

20192025

Go to Financials

Board & ownership

Board: 1 member

SINGH VrinderDirector

Go to Board & ownership

Timeline

Events: 10
Since: 2020
Next accounts: by 31-07-2027

27-05-2024Annual accounts filed
31-12-2023Highest result from 2019 to 2025
12-10-2023Resignation: SINGH Vrinder (manager)

Go to Timeline

Company details

Sites: 2

Legal form: Private limited company
Activity: Other retail sale of foodNACE 47279
Founded: 30-03-2018
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 29

Annual meeting: First Monday of May at 15:00
Purpose: “Activité principale:alimentation générale,commerce de détail et la logistique; Commerce de…” (deed in French)

Go to Articles of association

Key facts about AGAM GURU

What is the company number of AGAM GURU?: 0693.818.036. In Belgium the VAT number is the company number with BE in front: BE 0693.818.036.
Where is AGAM GURU based?: The registered office is at Sint-Jobsesteenweg 701, 1180 Ukkel.Company details
What does AGAM GURU do?: According to the KBO register, the main activity is other retail sale of food (NACE 47279).
What is the legal form of AGAM GURU?: Private limited company (BV).
When was AGAM GURU founded?: On 30-03-2018.
Is AGAM GURU still active?: Yes, AGAM GURU is an active enterprise in the KBO register.
How many employees does AGAM GURU have?: On average 0.3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of AGAM GURU?: €938,172 in financial year 2025, according to the filed annual accounts.
Is AGAM GURU profitable?: In financial year 2025, AGAM GURU made a loss of €2,857.
Where can I find the annual accounts of AGAM GURU?: AGAM GURU filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AGAM GURU due?: By 31-07-2027, for financial year 2026.Timeline